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City Homes

Newly launched program with Zurich North America

Our hallmark City Homes Insurance Program (CHIP) is now through Zurich North America, offering a package product with enhanced features designed for small urban multi-family buildings in designated cities across the country. CHIP’s "sweet spot" includes urban areas and older joisted masonry as well as frame buildings in specified cities throughout the Midwest and West Coast. In addition to the new program features, you can now  submit City Homes business on-line though our broker portal.

Zurich North America, A.M. Best A+ rated

Submit a City Home application

  • NEW! Now permitting pools
  • Policy holders have access to vetted, qualified tradespeople via Sedgwick Repair Services
  • Competitively priced package policy that includes coverage for equipment breakdown, back-up of sewer and drains, ordinance or law, A, B & C
  • Replacement cost valuation
  • Availability of crime insurance endorsement
  • Electronic policy delivery
  • Availability of personal lines forms for owner-occupied properties for contents coverage and additional liability coverage
  • Easy-to-complete application on our on-line portal
  • Automatic renewal process

  • "All risk" policy form unless the loss or damage is excluded or limited by other provisions
  • Replacement cost
  • Back-up of sewers and drains included
  • Terrorism foreign/domestic (included automatically)
  • Minimum AOP deductible $1,000 with $2,500 water damage deductible; AOP deductible options up to $10,000
  • Agreed amount endorsement
  • Ordinance or law
    • Included loss to undamaged portion of building
    • Additional limits for demolition cost
    • Additional limits for increased cost of construction
  • Optional & flexible Flood and Quake coverage - sublimit applied and extended after underwriter review
  • Equipment breakdown/building machinery, heating/cooling systems, miscellaneous electrical apparatus
  • Crime endorsement available

  • Size: 2-100 units, sweet spot is 2-15 units, $1 million-$3 million properties, and can include ground floor mercantile
  • Construction: joisted masonry or better; no age limit on building, subject to system upgrades
  • Brick veneer in Denver, CO; Minneapolis and St. Paul, MN
  • Frame in San Francisco, CA; Los Angeles, CA; Portland, OR; Seattle, WA; and Boston, MA (condos only)
  • Classes: apartment buildings, condos, co-ops, brownstones, mixed use
  • TIV up to $25 million
East Midwest West
Baltimore, MD     Chicago, IL Denver, CO
Boston, MA      Minneapolis, MN Los Angeles, CA  
NJ Gold Coast*         St. Louis, MO
Portland, OR
Philadelphia, PA  
St. Paul, MN
San Francisco, CA
Washington, DC   
Seattle, WA
Pittsburgh, PA San Diego, CA

* Jersey City, Hoboken, Weehawken, West New York, Union City, North Bergen, Cliffside Part, Fort Lee, Bayonne and Edgewater

  • $1 million per occurrence/$2 million aggregate on bodily injury, property damage, personal and advertising injury.
  • Medical payments
  • Employee benefits liability optional
  • Hired & non-owned automobile optional

  • $1 million per occurrence
  • Personal inland marine (fine arts, furs, jewelry, silver, bicycles, antiques, musical instruments, cameras)
  • Additional living expense



Specialty Sales Team By State